alt Hacker NewsChoose "Other options" then click "Domain join instead" you don't actually have to join a domain here, it just has to create a local account. That option won't be present on Home edition though just a heads up.
You can also use an autoattend.xml file on the install ISO to set up a local account (https://schneegans.de/windows/unattend-generator/) amongst other things like removing all the windows store apps, etc.
I personally would never have thought to go the Domain route, so I suppose you technically -can- have a local user but they don’t seem to surface the option.